Business Details
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Welcome to First Horizon Bank - located in Lafayette. Since 1864, we’ve been a bank you can count on. Our financial foundation is so steady you can build a house on it. Mortgage loan included. Our commitment to you has won some pretty big awards. Like Forbes World’s Best Banks. Stop by today and tap into local decision-makers who actually get where you’re coming from. And a go-to banker who is always just a call away.
Details
- Requires appointmentNot available
- Drive-throughAvailable
- Onsite servicesAvailable
- Free parking lotAvailable
Location
First Horizon Bank - Lafayette, LA - Westgate Rd
200 Westgate Road, Lafayette, LA
70506, United States
Hours
Reviews
2.8
17 reviews
5 stars
6
4 stars
2
3 stars0
2 stars0
1 star
9
- BCbenjamin castilleApr 18, 20255.0Very friendly staff. Helped me with all my banking needs.
- LWLeah WrightAug 14, 20211.0They where slow, they had 2 people pull up after us and both got their things done before they cashed our check then tried to say I needed my grandpas ID to get the money because it was a check he gave me but it was written to me so why would I need his ID , that makes writing a check pointless when he had to be here anyway. They have terrible service.
- TITyler IstreOct 24, 20201.0Everytime I have to put some in the night deposit box there's never any envelopes. Not impressed I only have a loan with iberia and they wanted me to switch to bank with them. Well don't think so!
- AGAnnette GarciaSep 28, 20201.0I needed funds the most after hurricane Laura, I tried to deposit a check and they put it on hold for over 12 days days due to their “policy”. They prefer to stick to their unnecessary policies rather than being loyal to their customer of 7 years.
- CLCatina LaineJun 13, 20185.0Love my bank! Great people who are very helpful. They have always taken care of me. They know me by name. It is such a nice experience to walk into my bank, I usually walk out smiling. I would recommend them over & over.
Frequently Asked Questions About First Horizon Bank - Lafayette, LA - Westgate Rd
What do I need to open a personal checking account?
$50 minimum opening deposit
Social Security number
Date of birth
Personal identification such as a driver’s license, passport, state or government-issued ID
Can I open a personal checking account online?
Yes. Alternatively, you can visit one of our banking centers to apply in person.
Is there a limit on the number of transactions I can make with a personal checking account?
No, there is no limit on the number of transactions.
What are the first steps in the home buying process?
The first steps include assessing your financial situation, getting pre-qualified for a mortgage, and determining your budget. It's also important to start researching neighborhoods and listing your home preferences. First Horizon's mortgage specialists can guide you through these initial steps.
How long does it take to buy a home?
The home buying process typically takes between 30 to 60 days from making an offer to closing. This timeline can vary based on factors such as market conditions, the efficiency of your lender, and the specifics of the transaction.
What is mortgage prequalification and why is it important?
Mortgage prequalification involves a lender reviewing your financial information to determine your loan eligibility and providing a prequalified letter. This letter strengthens your offer on a home by showing sellers you are a serious and qualified buyer.
What types of mortgage loans are available through First Horizon?
First Horizon offers a variety of mortgage loans, including fixed-rate mortgages, adjustable-rate mortgages (ARMs), FHA loans, VA loans, and jumbo loans. Each type has different benefits to suit diverse financial needs.
Can First Horizon help with financing for first-time homebuyers?
Yes, First Horizon offers several programs designed to assist first-time homebuyers, including FHA loans and other options with lower down payment requirements. Our mortgage specialists can help you explore these programs and find the best fit for your needs.
How do I know if mortgage loan refinancing is right for me?
Refinancing may be beneficial if current interest rates are lower than your existing rate, if you want to switch from an adjustable-rate mortgage to a fixed-rate mortgage, or if you need to tap into your home’s equity. Our mortgage specialists can help you evaluate your situation.
What types of small business loans do you offer?
There are many different types of small business loans available, including small business term loans, lines of credit and real estate loans. Talk to a banker today to review your options.
What are the qualifications for a small business loan?
The loan requirements for a small business loan will vary, depending on the loan type and other factors. Here are some things to consider when applying:
Business Plan: Craft a thorough business plan outlining your goals, market analysis, financial projections, and how the loan will be utilized. A well-prepared plan demonstrates your business's viability.
Loan Purpose: Clearly articulate the purpose of the loan and how it will benefit your business. Whether it's for expansion, equipment purchase, working capital or other needs, provide specific details to support your application.
Collateral: Some loans require collateral. If your loan requires collateral, be prepared to offer assets such as real estate, equipment or inventory.
Credit History: Your personal and business credit scores play a significant role. Aim for good scores to enhance your eligibility.
Cash Flow: Lenders assess your business's cash flow to determine your ability to repay the loan. Positive cash flow and consistent revenue are essential indicators of financial stability.
Industry Experience: Your industry expertise and a track record of success can help strengthen your application.
Debt-to-Income Ratio: Lenders evaluate your debt-to-income ratio to gauge your ability to manage additional debt payments. Maintaining a healthy ratio improves your chances of loan approval.
Legal Compliance: Ensure your business complies with all legal and regulatory requirements, including licenses, permits and registrations.
Relationship with Lender: Building a positive relationship with your lender can be advantageous. Regular communication and responsible financial management can help expedite the process.
How long does it take to get a small business loan?
As soon as you recognize the need for funds and can gather the necessary documentation, contact your banker to get the process started. The length of the loan application process is dependent on the complexity of the loan.
What are the drive-through hours for First Horizon Bank on Westgate Road?
The drive-through is open Monday to Friday from 9:00 AM to 5:00 PM and Saturday from 9:00 AM to 12:00 PM. It is closed on Sundays.
Can I open a personal checking account online at First Horizon Bank?
Yes, you can open a personal checking account online or visit one of the banking centers to apply in person.
What documents do I need to open a personal checking account?
You need a $50 minimum opening deposit, Social Security number, date of birth, and personal identification such as a driver's license, passport, or government-issued ID.
What types of mortgage loans does First Horizon Bank offer?
They offer fixed-rate mortgages, adjustable-rate mortgages (ARMs), FHA loans, VA loans, and jumbo loans to suit diverse financial needs.
How can First Horizon Bank assist first-time homebuyers?
The bank offers programs including FHA loans with lower down payment requirements, and mortgage specialists to help find the best fit for your needs.
Does First Horizon Bank provide small business loans and what types are available?
Yes, they offer small business term loans, lines of credit, and real estate loans. You can talk to a banker to review your options.
What nearby banks are located close to First Horizon Bank on Westgate Road?
Iberia Bank and IBERIABANK are nearby banks where you might compare financial services or ATMs when visiting the area.
Are there convenient nearby ATM options near First Horizon Bank on Westgate Road?
Yes, LibertyX Bitcoin ATM offers accessible ATM services near the bank for easy cash access and bitcoin transactions.
What nearby amenities can customers visit before or after their banking at First Horizon Bank?
Nearby you can visit CVS Pharmacy for prescriptions and essentials, ZENSHI Handcrafted Sushi for dining, or Anytime Fitness for a workout.
How can nearby medical facilities support customers visiting First Horizon Bank?
Facilities like SouthStar Urgent Care and Scott Family Physicians offer accessible health services close by, convenient if you have appointments before or after banking.